About Altum Rise | CEPA® & CFP® for Business Owners

Meet Pamela Yaroma, CFP® CEPA®

Founder & Wealth Advisor

Altum Rise was built around a simple observation: the most important financial decisions business owners make rarely fit neatly into one discipline.

Pamela Yaroma founded Altum Rise to serve business owners and families whose financial lives have become increasingly interconnected as success has grown.

Her work centers on helping clients evaluate consequential financial decisions before commitments are made. Rather than viewing ownership, taxes, investments, real estate, charitable planning, succession, or family wealth as separate conversations, she helps clients understand how each decision influences the broader picture.

Many of her clients engage during periods of growth, ownership transition, liquidity events, or multigenerational planning. Others simply want a trusted perspective as opportunities become more significant and financial decisions carry longer-term implications. Pamela brings disciplined judgment to these moments, helping clients evaluate trade-offs, structure options thoughtfully, and preserve flexibility for what comes next.

Outside of her advisory work, Pamela is actively building businesses and investing in real estate, giving her firsthand perspective on many of the same decisions her clients navigate. From deploying capital and evaluating opportunities to balancing growth with liquidity, that experience brings an additional level of practicality to the conversations she has with business owners and families.

The philosophy behind Altum Rise is rooted in a simple belief: stronger outcomes often begin with deeper thinking. The firm's name reflects that philosophy. Altum, inspired by the Latin concept of depth, represents the belief that clarity around timing, consequence, structure, and direction often shapes long-term results more than any single financial decision.

Pamela holds the CFP® and CEPA® designations and advises business owners and families nationwide.

Daniel Duarte

Operations Manager

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Cesar Rivas

Client Service Associate

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Seeing Beyond the Decision

The most important financial decisions rarely stand alone. A change in ownership influences taxes. A real estate purchase affects liquidity. A compensation decision impacts long-term wealth. We help clients understand what today's decisions set in motion before commitments are made.

Explore Our Approach

Preserve the Freedom to Choose

The goal isn't simply accumulating more wealth. It's preserving the flexibility to pursue opportunities, navigate change, and make future decisions from a position of strength. We help clients think through trade-offs carefully so today's choices support tomorrow's possibilities.

Areas of Focus

A Perspective Shaped By Ownership

Our perspective is informed by more than professional credentials. As business owners and active real estate investors, we understand the responsibility of building something meaningful, deploying capital thoughtfully, and stewarding wealth over time.

About Altum Rise

Let's Start with the Right Conversation

Whether you're evaluating a significant opportunity, preparing for a future transition, or simply want a trusted perspective, we'd welcome the opportunity to learn more about what you're building.

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Supporting Altum Rise

Common Questions About Working with a CFP® or CEPA®

A CEPA®-trained advisor helps you prepare personally, financially, and operationally for a business transition. We use this framework to clarify goals, strengthen business value, and align your decisions with the life you want after the exit.
Most owners benefit from beginning the planning process three to five years or more before they want to sell or step back. Early planning gives you more control, more options, and a clearer path into your next chapter.
Our initial conversation focuses on your story—your goals, challenges, and vision for the future. We don’t analyze numbers in this meeting; instead, we clarify what matters most so your planning starts with intention.
We collaborate closely with your advisory team to ensure tax planning, legal structures, business strategy, and personal wealth planning work together. This integrated approach helps create a smoother, more aligned transition.
A CFP® professional is trained in comprehensive financial planning and held to a strict fiduciary standard. Working with a CFP® ensures your investment, tax, estate, retirement, and risk strategies are coordinated and aligned with your long-term goals.
We primarily serve business owners, entrepreneurs, and individuals navigating major transitions—especially those preparing for an exit or seeking clarity around their next chapter. Our approach works best for clients who value intention, education, and whole-picture planning.